OneMain Holdings, Inc.

NYSE:OMF 주식 리포트

시가총액: US$7.5b

OneMain Holdings 향후 성장

Future 기준 점검 4/6

OneMain Holdings (는) 각각 연간 15.3% 및 26.9% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 16.5% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 34.4% 로 예상됩니다.

핵심 정보

15.3%

이익 성장률

16.53%

EPS 성장률

Consumer Finance 이익 성장12.1%
매출 성장률26.9%
향후 자기자본이익률34.39%
애널리스트 커버리지

Good

마지막 업데이트18 Aug 2026

최근 향후 성장 업데이트

Recent updates

Seeking Alpha • Jul 02

OneMain Holdings: It's Still Trading Within My Margin Of Safety

Summary OneMain Holdings remains resilient amid macro volatility, delivering 2.5% returns since the last coverage and justifying my reiterated buy rating. OMF's risk is mitigated by 55% of personal loans being secured, a $2.8B loan loss allowance, and fixed-rate lending, supporting credit quality. My updated Dividend Discount Model yields a target price of $88.79; with a 20% margin of safety, my buy zone is up to $71.04. OMF offers an attractive ~7% dividend yield, with yields remaining compelling even if the stock appreciates to my conservative target. Read the full article on Seeking Alpha
분석 기사 • Jun 17

OneMain Holdings (OMF) Stock Could Be 15% Undervalued on Its Digital Lending Narrative

OneMain Holdings (OMF) stock has drawn fresh attention after recent trading, with the share price last closing at $57.77. Investors are weighing this level against the company’s current valuation metrics and recent return profile. See our latest analysis for OneMain Holdings. Recent trading in OneMain Holdings reflects a rebound in momentum, with a 30-day share price return of 7.94% and a 90-day share price return of 15.61%, even though the year to date share price return has declined 16.36%...
내러티브 업데이트 • Jun 12

OMF: Future Returns Will Reflect Share Repurchases Despite Legal Overhang

Analysts have trimmed their average price targets on OneMain Holdings by a few dollars, citing recent estimate revisions, mixed price target moves and legal headlines that they say could weigh on near term sentiment. Their long term valuation framework, including fair value of $67.79 and an assumed P/E of 8.70x, remains broadly intact.
내러티브 업데이트 • May 29

OMF: Future Returns Will Reflect Share Repurchases And Stable Core Earnings Despite Legal Overhang

Analysts have slightly reduced their average price target on OneMain Holdings by about $0.20 to approximately $67.79. This change reflects updated views on growth, margins, discount rates and future P/E multiples following a series of recent target revisions and estimate adjustments.
내러티브 업데이트 • Apr 26

OMF: Future Returns Will Reflect Stable Core Earnings Despite Legal Overhang

Analysts have trimmed their average price targets on OneMain Holdings by a few dollars per share, reflecting updated views on Q1 earnings, a more uncertain macro backdrop, and legal headlines that they see as an overhang rather than a threat to the core business. Analyst Commentary Recent research updates show a split between analysts who see the latest headlines as a temporary valuation drag and those who are more focused on earnings pressure and macro risk.
내러티브 업데이트 • Apr 11

OMF: Future Returns Will Reflect Stable Core Earnings Despite Lawsuit Overhang

The analyst price target for OneMain Holdings has shifted lower from $70.71 to $68.00, as analysts factor in recent price target cuts tied to a more uncertain macro outlook and legal overhangs, partly offset by a few upward revisions that still point to a stable core business. Analyst Commentary Recent research shows a mix of optimism and caution around OneMain Holdings, with several firms adjusting price targets in response to legal developments and a more uncertain macro backdrop.
내러티브 업데이트 • Mar 28

OMF: Future Returns Will Reflect 2026 Specialty Finance Tailwinds Despite Lawsuit Overhang

Analyst price targets for OneMain Holdings have edged lower overall. The model fair value estimate has moved from $72.14 to $70.71 as analysts factor in macro uncertainty, a new multi state lawsuit, and refreshed sector multiples, while still viewing the core business as stable.
내러티브 업데이트 • Mar 12

OMF: Future Returns Will Reflect 2026 Specialty Finance Tailwinds And Share Repurchases

Analysts have trimmed their average price target on OneMain Holdings by about $0.60 to $72.14, as several firms recalibrated their views to reflect a more uncertain macro backdrop and sector wide multiple compression, even as some houses cited updated outlooks for consumer finance and specialty lending in 2026. Analyst Commentary Recent research on OneMain Holdings reflects a mix of optimism about the specialty finance setup in 2026 and caution around macro risks and borrower resilience.
내러티브 업데이트 • Feb 25

OMF: Future Returns Will Reflect Specialty Finance Tailwinds And Ongoing Share Repurchases

Analysts have nudged their blended price target for OneMain Holdings slightly higher, with fair value moving by about $0.43 to $72.71, as they balance recent target increases and trims against updated sector views and credit assumptions. Analyst Commentary Recent research on OneMain Holdings reflects a mix of optimism and caution, with several firms adjusting price targets and ratings as they reassess credit trends, macro conditions, and where the stock sits relative to peers in consumer and specialty finance.
내러티브 업데이트 • Feb 09

OMF: Future Returns Will Reflect Cautious Underwriting And Share Repurchase Discipline

Analysts have trimmed their average price target on OneMain Holdings by about $1.60 to roughly $72. This reflects slightly lower revenue growth assumptions, a modestly higher future P/E, a small reduction in the discount rate, and a marginally stronger profit margin outlook.
내러티브 업데이트 • Jan 25

OMF: Future Returns Will Reflect Capital Deployment And Stable Credit Discipline

Narrative Update on OneMain Holdings The updated analyst price target for OneMain Holdings edges higher to about $73.87 from $73.47, as analysts weigh higher published targets across several firms against a slightly lower modeled profit margin and a modestly higher future P/E and revenue growth outlook for the consumer finance group. Analyst Commentary Recent Street research on OneMain Holdings shows a split view, with several firms lifting price targets while JPMorgan turns more cautious.
내러티브 업데이트 • Jan 10

OMF: Future Returns Will Reflect Capital Deployment And Credit Risk Discipline

Analysts have lifted their blended price target for OneMain Holdings from about US$68 to roughly US$73, citing refreshed 2026 outlooks for specialty finance and consumer credit names. These outlooks include views on loan growth, credit conditions, and the company’s scale and capital return plans.
내러티브 업데이트 • Dec 23

OMF: Future Performance Will Reflect Capital Returns And Cautious Underwriting Discipline

Analysts have modestly raised their consolidated price target on OneMain Holdings to approximately $68.40 per share. This reflects confidence in improving profitability and capital returns, even as they factor in slightly slower revenue growth and a more cautious underwriting stance amid macro uncertainties.
내러티브 업데이트 • Dec 09

OMF: Future Results Will Reflect Capital Returns Amid Cautious Credit Environment

Analysts have trimmed their blended price target on OneMain Holdings by a modest amount to approximately $68 per share. This reflects continued recognition of solid Q3 revenue growth and capital returns, along with a slightly more cautious stance on underwriting, consumer credit headwinds, and macro uncertainty.
내러티브 업데이트 • Nov 13

OMF: Future Results Will Reflect Improved Profitability and Stable Credit Trends

Analysts have raised their price target for OneMain Holdings by approximately $2, now valuing shares at $66.21. They cite stronger profit margins, an improved capital return outlook, and recent positive Q3 results.
내러티브 업데이트 • Oct 28

Future Lending Models Will Shift Amid Persistent Economic Headwinds And Inflation Pressures

Narrative Update on OneMain Holdings Analysts have revised their price target for OneMain Holdings downward from $63 to $57. They cite concerns about ongoing headwinds for low-income borrowers, despite recent improvements in lending practices and credit quality.
내러티브 업데이트 • Oct 13

Digitization Trends Will Reshape Consumer Lending And Debt Consolidation

OneMain Holdings' analyst price target has been revised downward from $65.21 to $64.21 per share. This change reflects analysts' concerns over consumer credit headwinds, despite improved lending models and recent performance updates.
Seeking Alpha • Feb 27

OneMain: Hold Now, Fairly Valued Yet Bearish

Summary OneMain Holdings, Inc. shows modest revenue growth and stable margins despite higher credit loss provisions and increased operating expenses. The company enjoys robust loan growth and improved credit trends, but delinquencies warrant caution. OMF's stock appears expensive relative to its valuation metrics, with technical indicators suggesting potential downside risks. I recommend a hold rating due to decent fundamentals but caution against overvaluation and weakening technical momentum. Read the full article on Seeking Alpha
Seeking Alpha • Dec 30

OneMain Financial: Strong Dividend Stability In Uncertain Economic Times

Summary OneMain Financial offers a 7.9% dividend yield and has stable income potential despite economic risks and recent market volatility. The company’s net interest income grew to $2.8 billion, but increased loan loss provisions and operating expenses led to a decline in net income. Strong cash flow from operations supports the dividend, with $1.95 billion generated, easily covering the $373 million in dividends. Risks include high default rates on personal loans and dependence on external borrowing, but sufficient liquidity and no major debt maturities until 2026 mitigate concerns. Read the full article on Seeking Alpha
Seeking Alpha • Nov 02

OneMain Holdings: Solid Q3 Reduces Credit Loss Fears

Summary OneMain delivered solid Q3 results as credit fears largely did not come to fruition. Its tighter standards and shrinking back book are helping to decelerate loan losses growth, creating a path to profit growth. With an 8% dividend yield, some buybacks, and an 8.6x multiple, OMF is attractive. Read the full article on Seeking Alpha
Seeking Alpha • Oct 21

Rate Cuts To Boost OneMain Financial

Summary OneMain Financial remains a Buy due to its resilience in subprime lending, despite a challenging 2024. The company's strategic moves, including the acquisition of Foursight Capital and the rollout of BrightWay credit cards, position it for future growth. Lower delinquency rates and active portfolio management have helped OneMain navigate economic stress, with positive earnings and increased dividends. Potential risks include consumer skittishness, regulatory pressures, and the cyclical nature of the auto industry impacting results post-Foursight acquisition. Read the full article on Seeking Alpha
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새로운 내러티브 • Aug 29

Strategic Expansions And Innovations Propel Growth Amid Economic Uncertainties

Improved loan performance and potential reduction in loan loss provisions due to tightened underwriting standards suggest a healthier financial position.
Seeking Alpha • Aug 07

OneMain Financial: Stock Still A Buy Despite Economic Weakness

Summary OneMain Financial beat earnings expectations and grew revenue, but investors are concerned about the economy, leading to a 15% drop in share prices. Higher interest rates boosted net interest income, but an increase in the provision for finance losses led to a drop in income before taxes. Despite risks associated with consumer credit loans, OneMain Financial's cash flow from operations in the first half of 2024 was sufficient to cover dividend obligations and support loan growth. Read the full article on Seeking Alpha
Seeking Alpha • Jul 31

OneMain Q2 Results: Very Encouraging Credit Trends (Upgrade)

Summary OneMain Holdings, Inc. reported solid second quarter results, beating earnings estimates and showing growth in loans. Despite concerns about lower-income consumers, OneMain Financial is tightening credit standards and managing credit risk well, which has resulted in better delinquencies. While leverage is a bit high, its dividend is secure, and investors are being paid to wait, making OneMain Holdings stock attractive at 9x earnings. Read the full article on Seeking Alpha
Seeking Alpha • May 01

OneMain Holdings: Solid Q1 With Credit Losses Peaking (Rating Upgrade)

Summary OneMain Holdings' shares jumped 3% following solid Q1 results, adding to a year of gains and reaching a 52-week high. The company's financials showed solid net interest trends and a modest deleveraging, and a slowing growth in receivables due to tightened credit standards. Credit costs have been rising, but there are encouraging signs we are at a peak with delinquencies falling, and the company's tighter lending standards should start to buoy results. Read the full article on Seeking Alpha

이익 및 매출 성장 예측

NYSE:OMF - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)
날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수
12/31/20286,1341,160N/AN/A1
12/31/20275,659960974N/A7
12/31/20265,267810845N/A7
6/30/20263,0207813,2323,232N/A
3/31/20263,0407963,2063,206N/A
12/31/20252,9737833,1323,132N/A
9/30/20252,8927053,0193,019N/A
6/30/20252,7596642,8682,868N/A
3/31/20252,5835672,8062,806N/A
12/31/20242,4975092,6992,699N/A
9/30/20242,4915482,6252,625N/A
6/30/20242,5135842,5442,544N/A
3/31/20242,5596172,5152,515N/A
12/31/20232,5596412,5192,519N/A
9/30/20232,5576522,5062,506N/A
6/30/20232,5256432,4552,455N/A
3/31/20232,6507482,3982,398N/A
12/31/20222,7978722,3872,387N/A
9/30/20222,9539592,3312,331N/A
6/30/20223,1171,0622,2952,295N/A
3/31/20223,2721,2042,2432,243N/A
12/31/20213,4431,3142,2512,251N/A
9/30/20213,4831,4102,2222,222N/A
6/30/20213,4191,3722,1382,138N/A
3/31/20213,0911,1112,2032,203N/A
12/31/20202,5877302,2122,212N/A
9/30/20202,4576322,2622,262N/A
6/30/20202,4126302,4212,421N/A
3/31/20202,543735N/A2,379N/A
12/31/20192,685855N/A2,362N/A
9/30/20192,567762N/A2,319N/A
6/30/20192,465662N/A2,247N/A
3/31/20192,375475N/A2,039N/A
12/31/20182,318447N/A2,046N/A
9/30/20182,264318N/A1,771N/A
6/30/20182,197239N/A1,759N/A
3/31/20182,107274N/A1,666N/A
12/31/20172,014183N/A1,555N/A
9/30/20171,916171N/A1,426N/A
6/30/20171,838127N/A1,403N/A
3/31/20171,847111N/A1,350N/A
12/31/20162,108215N/A1,322N/A
9/30/20161,755-9N/A1,473N/A
6/30/20161,529-47N/A1,185N/A
3/31/20161,258-85N/A962N/A
12/31/2015761-220N/A741N/A
9/30/2015854-69N/A462N/A

애널리스트 향후 성장 전망

수입 대 저축률: OMF 의 연간 예상 수익 증가율(15.3%)이 saving rate(3.7%)보다 높습니다.

수익 vs 시장: OMF 의 연간 수익(15.3%)이 US 시장(17%)보다 느리게 성장할 것으로 예상됩니다.

고성장 수익: OMF 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.

수익 대 시장: OMF 의 수익(연간 26.9%)이 US 시장(연간 13%)보다 빠르게 성장할 것으로 예상됩니다.

고성장 매출: OMF 의 수익(연간 26.9%)은 연간 20%보다 빠르게 증가할 것으로 예상됩니다.

주당순이익 성장 예측

향후 자기자본이익률

미래 ROE: OMF의 자본 수익률은 3년 후 34.4%로 높을 것으로 예상됩니다.

성장 기업 찾아보기

7D

1Y

7D

1Y

7D

1Y

기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/08/18 23:03
종가2026/08/18 00:00
수익2026/06/30
연간 수익2025/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지데이터기간미국 소스 예시 *
기업 재무제표10년
  • 손익계산서
  • 현금흐름표
  • 대차대조표
분석가 컨센서스 추정치+3년
  • 재무 예측
  • 분석가 목표주가
시장 가격30년
  • 주가
  • 배당, 분할 및 기타 조치
지분 구조10년
  • 주요 주주
  • 내부자 거래
경영진10년
  • 리더십 팀
  • 이사회
주요 개발10년
  • 회사 공시

* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.

분석 모델 및 스노우플레이크

이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.

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산업 및 섹터 지표

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분석가 소스

OneMain Holdings, Inc.는 25명의 분석가가 다루고 있습니다. 이 중 10명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가기관
Mark DeVriesBarclays
Terry MaBarclays
James FotheringhamBMO Capital Markets Equity Research